Top 10 ways to boost your credit score, mama

6. Check your score frequently

Top 10 ways to boost your credit score, mama

Having a great credit score will not only save you thousands of dollars on interest over time, but it also gives you the flexibility to be creative on how you achieve your financial goals. The great news about credit is that anything you do can be undone over time, you just have to commit the time and energy to fix it.

If you have gotten into trouble with credit or you are still working on building your credit profile for a buying a home or purchasing a car, here are the top 10 ways to improve your credit score.

1. Pay your bills on time

This sounds like a really basic tip, however, it's one of the most important you can follow to maintain a strong credit score. On-time payments is one of the first things lenders look at when determining if they should lend you more money. If your record shows that you are good and consistent at making payments, then lenders are more likely to provide more. Delinquent payments and collections will always have a negative impact on your credit score.

2. Keep an eye on your credit utilization

Credit utilization is the amount of debt you have on your card over your available credit. If you have a card with a $1,000 credit limit, and you have $300 on the card, then your utilization rate is 30%. It is tempting to spend all of the credit you are allowed, but, just because a lender says you can borrow up to $1,000, does not mean that they actually want you to do so. Instead, you should keep your utilization rates between 30% and 50% as a general rule of thumb.

3. Apply for more credit

If you have a number of lenders willing to offer you credit, then chances are, you're a good bet for other lenders. Even if you don't need the credit, it can help your score and your overall utilization rate as other cards will increase your total credit available.

4. Diversify your types of credit

I met with a client recently who had no debt, no car payment and no mortgage and when we pulled her credit score, we were shocked that it was not higher. This client was penalized for only having one source of credit, which were her credit cards. Mortgages, car loans or home equity loans could help you diversify your types of credit.

5. Keep cards open

It is tempting to close cards that you are not using; however, those cards are actually quietly helping you improve your credit. If you are not using the card, then your utilization will be 0%, which is a great number. In addition, the card helps maintain your credit history, which is another component of your credit score. I had a client recently close an old account of hers and her score dropped over 50 points because her credit history was shortened based on the closing of the older account.

6. Check your score frequently

You can get your full credit report every year for free, however, there are other free sites you can check to get a good indication of your score, including outstanding accounts throughout the year. I like using Credit Karma, but Credit Sesame or Credit.com also provide free tools.

When you regularly monitor your score, you want to make sure that you are familiar with all of the accounts that are listed under your social security number. This is especially important for student loan monitoring as you can have more than 10 loans reported under your social security number, and if you lost track of any of those and missed payments, that would have a dramatic impact on your score.

7. Avoid store cards if possible

I believe that store credit cards, like those for Macys or J.Crew or Kohls are some of the worst cards you can apply for. They typically do not offer high credit limits, which don't help your overall credit available, but more importantly, it tells a lender that you like to shop because the only location you can utilize the card is in the retail store. You can't use the card for food or fuel.

Store cards also entice you to overspend because they typically offer 10% off entire purchases at the time of opening, which makes you feel as though you are getting a deal, but you should probably not spend the money anyway, which now makes the purchase 90% expensive.

8. Consider a secured card

If you have had credit troubles in the past and need to rebuild your credit, a secured credit card is a great way to get back on track, especially if the card provider allows you to convert to an unsecured card after a period of time. I consider the secured card like the learner's permit of the credit card world.

If you can prove that you are responsible and follow the rules of proper credit management, then one day you will be allowed to manage your account on your own without a cash secured safety net.

9. Apply for credit as soon as possible

Your credit history is an important part of your overall credit score so the sooner you apply for cards, the better. I opened my first card when I was a freshman in college so lenders can see that I have been a responsible user for almost two decades now. The sooner you start building your history, the faster your credit score will improve.

10.  Hide your card

At the end of the day, if you're struggling with maintaining good credit practices, don't be afraid to hide your credit card and pretend as though it doesn't exist. This will prevent you from increasing your credit utilization, and it will force you to focus on your spending as you will have to convert to a cash diet.

When I see clients start to get into credit card troubles, we discuss implementing this strategy. Sometimes the best bet to improve your credit is to not use it at all.

Originally posted on Financial Gym.

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How one company is making a huge difference for LGBTQ youth

Take notes, all you other brands, this is how it's done

Photo by Sharon McCutcheon from Pexels

This article is sponsored by H&M. Thank you for supporting the brands that support Motherly and mamas.

We spoke to Chris Bright (he/she/they), Director of Public Training at The Trevor Project, who works closely with H&M. Chris shared with us the Trevor Project's important mission, and what all brands should do to best support LGBTQ youth today.

1. For those that do not know, what is The Trevor Project's mission? What is it all about and its impact on society?

The Trevor Project is the world's largest suicide prevention and crisis intervention organization for lesbian, gay, bisexual, transgender, queer, and questioning (LGBTQ) young people. Suicide is the second leading cause of death among young people, and LGBTQ youth are more than four times more likely to attempt suicide than their straight or cis peers. Our mission is to end suicide among the estimated 1.8 million LGBTQ youth under the age of 25 in the U.S. who seriously consider suicide each year.

Founded in 1998, The Trevor Project launched TrevorLifeline, the first 24/7 national lifeline supporting LGBTQ youth in crisis alongside HBO's broadcast of the Academy Award-winning short film Trevor. The first calls were answered that night. Since then, we have grown from reaching several thousand LGBTQ youth per year to becoming the preeminent resource for LGBTQ young people in crisis, directly serving over 200K LGBTQ young people in the last fiscal year alone. We work tirelessly to save young lives by providing support through our free and confidential crisis programs on platforms where young people spend their time — online and on the phone. In addition to TrevorLifeline, we offer 24/7 digital crisis services including TrevorText and TrevorChat, as well as TrevorSpace, the world's largest safe space social networking site for LGBTQ youth.


H&M + The Trevor Project

2. Can you describe the nature of the relationship/partnership the Trevor Project has with H&M?

Our collaboration with H&M has been remarkably successful, with H&M driving awareness of The Trevor Project and our services among its audience while also demonstrating its strong support of LGBTQ young people. H&M first partnered with us in December 2020 during our "Every Single One" holiday campaign, where they donated $250K in matching funds for Giving Tuesday. This helped The Trevor Project have our best-ever Giving Tuesday moment.

Our work together has had extensive impact, allowing H&M to engage employees, customers, and community members in conversations about LGBTQ Allyship through Trevor's resources and mission. We're thankful for H&M's support, which helps us continue to operate and improve our 24/7 life-saving crisis services so we can serve more LGBTQ young people.

3. Why was H&M the right company to partner with?

H&M is an established yet relevant brand that has the attention of young people, and we're always so thankful to partner with youth-facing brands that can not only spread messages of love and support, but also can increase the awareness of our crisis services and resources. We know that H&M genuinely cares about creating a better future for LGBTQ young people.

4. What do you see as the biggest challenge or struggle for LGBTQ kids today?

LGBTQ youth are incredibly diverse, with so many intersecting identities and unique experiences — making it difficult for me to pinpoint what might be the single biggest challenge or struggle for all LGBTQ youth today.

What I can say, however, is our research reveals numerous challenges or struggles that may be more prevalent across the board for LGBTQ youth. According to our 2021 National Survey on LGBTQ Youth Mental Health, which captures the experiences of nearly 35,000 LGBTQ youth ages 13 to 24 across the U.S., nearly 42% of LGBTQ youth seriously considered attempting suicide in the past year, including more than half of transgender and nonbinary youth. Over 94% of LGBTQ youth reported that recent politics negatively impacted their mental health and more than 80% of LGBTQ youth stated that COVID-19 made their living situation more stressful.

What's clear is that while there is no single biggest challenge or struggle for our LGBTQ youth today, it's critical that we find ways to uplift and support each and every LGBTQ young person that we can.

5. Since it's back to school time, are there stressors or situations that are uniquely heightened for LGBTQ youth, other than the standard new school year jitters, that people don't necessarily know about?

Our research has found that LGBTQ youth who reported having at least one LGBTQ-affirming space had 35% reduced odds of attempting suicide in the past year, with LGBTQ-affirming school environments having the strongest association with reduced suicide attempts. Since the onset of COVID-19, the volume of youth reaching out to us has significantly increased, at times nearly double our pre-COVID volume. Feelings of loneliness, isolation, and anxiety have been heightened as a result of the pandemic, further emphasizing the need for LGBTQ youth to have access to spaces that affirm their identities, such as gender-neutral bathrooms, trans-inclusive sports, and positive extracurricular activities such as Gender and Sexuality Alliances (GSAs).

LGBTQ youth who reported having at least one accepting adult — whether it be teachers, coaches, or counselors — were 40% less likely to report a suicide attempt in the past year. The Trevor Project created the Model School District Policy on Suicide Prevention, which includes requirements for teacher training, mental health instruction for students, and policies and procedures for suicide prevention, intervention, and postvention. Now, more than ever, it is crucial that as in-person learning returns, schools provide LGBTQ students with safe learning environments where they can feel empowered, supported, and accepted by their peers and educators.

H&M + the Trevor Project

6. In what way is the support that The Trevor Project provides crucial to LGBTQ youth, especially as it pertains to suicide prevention?

The support that The Trevor Project provides is so crucial because suicide is the second leading cause of death among young people — and LGBTQ youth are more than four times more likely to attempt suicide than their straight or cis peers. LGBTQ youth reach out to Trevor because we are LGBTQ-affirming and a trusted provider of crisis services. All of our volunteers are highly-trained to answer calls, chats, and text from LGBTQ youth 24/7 when they are feeling suicidal or need a safe, non-judgmental place to talk.

Almost three-quarters of youth stated that they either would not or were unsure if they would have another service if The Trevor Project did not exist. We aim to be there for every young LGBTQ person in crisis with a clear message: you are loved, your life has value, and you are never alone.

7. What do you think the responsibility is for brands to be involved in pro-social, activism-related work?

Everyone can play a role in creating change and building progress in our society. Brands — especially those with large platforms and influence — have a responsibility to fulfill that role as well. We recognize H&M and our other brand partners for helping spur progress on important issues, and we encourage others to follow suit. Beyond the essential financial support that brands can provide to nonprofits like The Trevor Project, there's also a direct benefit for the community when brands are loud about their support of Pride; we've found that more than half of youth said brands who support the LGBTQ community positively impact how they feel about being LGBTQ. Finally, it's important to remember that Pride doesn't begin and end in June — the opportunity to support Pride is 365 days a year. We are thrilled to have H&M as a year-round partner for The Trevor Project, demonstrating their authentic support for our work.

8. What is one of the biggest impacts or positive results you have seen come from the partnership between The Trevor Project and H&M?

We wouldn't be able to do the work we do and make the progress we've made without our brand partners like H&M. The Trevor Project has experienced significant growth in the last few years with the implementation of our five key program areas: crisis services, peer support, research, education and public awareness, and advocacy. Since 2019, we've been working to scale our volunteer training to increase the number of crisis services counselors on a yearly basis. In addition to original, intersectional monthly research briefs, our research team launched the world's largest survey of LGBTQ youth mental health in 2019, and has released a total of three national, annual reports. We've ramped up Trevor's advocacy work on the local, state, and federal levels to protect the rights of LGBTQ people, including bills to protect LGBTQ youth from conversion therapy that have been in introduced in 40 states. H&M's partnership helps us advance this work by raising significant funds and awareness for our mission. During June 2021, when H&M served as one of our key Pride Partners, our crisis counselors served over 19,500 crisis contacts with free, confidential support via phone, chat, and text.

9. How important is it for LGBTQ+ youth to see allies in popular culture, be it a celebrity or high profile person, mainstream brand, etc.?

LGBTQ representation in the mainstream media is extremely important as it makes LGBTQ youth feel seen, validated, and confident that they are not alone. Over 80% of youth said that celebrities who are LGBTQ positively influence how they feel about being LGBTQ, and more than half of youth said brands who support the LGBTQ community have a positive impact on their LGBTQ identity. As we continue to see increased visibility for marginalized communities in popular culture, diverse images will become normalized, which in turn creates a safer, more accepting world for all of us.

10. For people who want to get involved with a cause like The Trevor Project, what is the best way to make a difference?

There are a number of ways to get involved with The Trevor Project – from making a donation (TheTrevorProject.org/Donate) to applying to be a volunteer (TheTrevorProject.org/Volunteer) to spreading the word about our resources.

Affirming spaces and support systems work to save young LGBTQ lives. People can be active in their communities to ensure that more safe, affirming spaces are available and thriving. Even making an effort to respect someone's pronouns and encouraging those around you to do the same can make a huge difference. Our research has also found that LGBTQ youth who report having at least one accepting adult were 40% less likely to report a suicide attempt. If you get the opportunity, be that one person for a young person in your life.

If you or someone you know needs help or support, The Trevor Project's trained crisis counselors are available 24/7 at 1-866-488-7386, via chat www.TheTrevorProject.org/Help, or by texting START to 678678.

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This incredibly soft comforter from Sunday Citizen is like sleeping on a cloud

My only complaint? I've slept through my alarm twice.

When it comes to getting a good night's sleep, there are many factors that, as a mama, are hard to control. Who's going to wet the bed at 3 am, how many times a small person is going to need a sip of water, or the volume of your partner's snoring are total wildcards.

One thing you can control? Tricking out your bed to make it as downright cozy as possible. (And in these times, is there anywhere you want to be than your bed like 75% of the time?)

I've always been a down comforter sort of girl, but after a week of testing the ridiculously plush and aptly named Snug Comforter from Sunday Citizen, a brand that's run by "curators of soft, seekers of chill" who "believe in comfort over everything," it's safe to say I've been converted.


Honestly, it's no wonder. Originally designed as a better blanket for luxury hotels and engineered with textile experts to create this uniquely soft fabric, it has made my bed into the vacation I so desperately want these days.

The comforter is made up of two layers. On one side is their signature knit "snug" fabric which out-cozies even my most beloved (bought on sale) cashmere sweater. The other, a soft quilted microfiber. Together, it creates a weighty blanket that's as soothing to be under as it is to flop face-first into at the end of an exhausting day. Or at lunch. No judgement.

Miraculously, given the weight and construction, it stays totally breathable and hasn't left me feeling overheated even on these warm summer nights with just a fan in the window.

Beyond being the absolute most comfortable comforter I've found, it's also answered my minimalist bed making desires. Whether you opt to use it knit or quilted side up, it cleanly pulls the room together and doesn't wrinkle or look unkempt even if you steal a quick nap on top of it.

Also worth noting, while all that sounds super luxe and totally indulgent, the best part is, it's equally durable. It's made to be easily machine washed and come out the other side as radically soft as ever, forever, which totally helps take the sting out of the price tag.

My only complaint? I've slept through my alarm twice.

Here is my top pick from Sunday Citizen, along with the super-soft goods I'm coveting for future purchases.

Woodland Snug comforter

Sunday-Citizen-Woodland-Snug-comforter

The bedroom anchor I've been looking for— the Snug Comforter.

$249

Braided Pom Pom Throw

Because this degree of coziness needs portability, I'm totally putting the throw version on my list. It's washable, which is a must-have given my shedding dog and two spill-prone kiddos who are bound to fight over it during family movie night.

$145

Lumbar pillow

sunday-citizen-lumbar-pillow

What's a cozy bed without a pile of pillows?

$65

Crystal infused sleep mask

sunday citizen sleep mask

Promoting sleep by creating total darkness and relaxation, I've bookmarked as my go-to gift for fellow mamas.

$40

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Motherly created the flexible online birth class moms need

The Motherly Birth Class is completely online, which means you can take the class at your own pace.

Taking a birth class is a pregnancy milestone. Whether you've been excited to take a birth class for a long time or have just recently decided that you wanted to take one, sitting down for that first lesson feels big—spoiler alert, this is really happening! But finding time for a birth class isn't as easy as it would seem.

We know new parents are busy (hello, understatement of the year). Between diaper changes, pediatrician appointments, healing from birth and the general adjustment to #newparentlife, the days can fill up quickly. But a lot of people are caught off guard by how busy pregnancy can be, too! That first trimester is so often full of symptoms—like nausea and fatigue—that can make previously easy or simple tasks exhausting. The second trimester begins and (usually) we start to feel better. But then our days get filled with planning out baby registries and deciding on questions like, "Where will this tiny new human sleep?" And before you know it, it's the third trimester—and, well, then you're in the home stretch. Plus there are so many appointments!

All this to say that we get how busy you are—and how hard that might make it to fit in a birth class.

And that's why we created The Motherly Birth Class. The Motherly Birth Class is completely online, which means you can take the class at your own pace.


Think you'll want to watch each lesson a few times over? Great!

Due date's next week and you need the option to take a birth class very quickly? No problem!

Like everything at Motherly, we designed this class with you in mind.

Taught by Certified Nurse-Midwife Diana Spalding (who also wrote "The Motherly Guide to Becoming Mama"), this class is broken into 12 lessons—and you get to control how and when you watch them. We'll teach you about what your (amazing) body is up to in labor, how to decide when it's time to head to the hospital or birth center (or when to call your home birth midwife), what your options are for coping with pain and so much more.

When you sign up for The Motherly Birth Class, you'll get access to a downloadable workbook and meditations. Plus, you'll be invited to join our supportive private online community (where you can chat with the class instructor!)

Oh, one more thing: Your insurance or flexible spending account might even able to able to cover the cost of this class.

Pregnancy is wonderful—but it's a lot. You deserve a birth class that works for you and empowers you to have your best birth. Because vaginal or Cesarean, unmedicated or medication, birth is incredible. And you are the star of it all.

You've got this.

Sign up for The Motherly Birth Class today!

The Motherly Birth Class

pregnant-woman-looking-at-her-belly

Take our completely digital birth class from the comfort of your living room. We'll help you have your best birth—because you deserve it.

$79

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14 toys that will keep your kids entertained inside *and* outside

They transition seamlessly for indoor play.

Keeping kids entertained is a battle for all seasons. When it's warm and sunny, the options seem endless. Get them outside and get them moving. When it's cold or rainy, it gets a little tricker.

So with that in mind, we've rounded up some of the best toys for toddlers and kids that are not only built to last but will easily make the transition from outdoor to indoor play. Even better, many are Montessori-friendly and largely open-ended so your kids can get a ton of use out of them.

From sunny backyard afternoons to rainy mornings stuck inside, these indoor outdoor toys are sure to keep little ones engaged and entertained.


Tiny thrill-seekers will love this kid-powered coaster which will send them (safely) sailing across the backyard or play space. The durable set comes with a high back coaster car and 10.75 feet of track, providing endless opportunities for developing gross motor skills, balance and learning to take turns. The track is made up of three separate pieces which are easy to assemble and take apart for storage (but we don't think it will be put away too often!)

$139

Secret Agent play set

Plan-Toys-Secret-agent-play-set

This set has everything your little secret agent needs to solve whatever case they might encounter: an ID badge, finger scanner, walkie-talkie handset, L-shaped scale and coloring comic (a printable file is also available for online download) along with a handy belt to carry it all along. Neighborhood watch? Watch out.

$40

Mini golf set

Plan Toys mini golf set

Fore! This mini golf set is lawn and living room ready. Set up a backyard competition or incorporate into homeschooling brain breaks that shift focus and build concentration.

$40

Stepping Stones

Stepping-stones

Kiddos can jump, stretch, climb and balance with these non-slip stepping stones. The 20-piece set can be arranged in countless configurations to create obstacle courses, games or whatever they can dream up.

$99.99

Sand play set

Plan Toys sand set

Whether you're hitting the beach or the backyard sandbox, this adorable wooden sand set is ready for action. Each scoop has an embossed pattern that's perfect for sand stamping. They're also totally suitable for water play in the wild or the bathtub.

$30

Sensory play set

kidoozie-sand-and-splash-activity-table

Filled with sand or water, this compact-sized activity set keeps little ones busy, quiet and happy. (A mama's ideal trifecta 😉). It's big enough to satisfy their play needs but not so big it's going to flood your floors if you bring the fun inside on a rainy day.

$19.95

Vintage scooter balance bike

Janod retro scooter balance bike

Pedals are so 2010. Balance bikes are the way to go for learning to ride a bike while skipping the training wheels stage altogether. This impossibly cool retro scooter-style is built to cruise the neighborhood or open indoor space as they're learning.

$121

Foam pogo stick

Flybar-my-first-foam-pogo-stick

Designed for ages 3 and up, My First Flybar offers kiddos who are too young for a pogo stick a frustration-free way to get their jump on. The wide foam base and stretchy bungee cord "stick" is sturdy enough to withstand indoor and outdoor use and makes a super fun addition to driveway obstacle courses and backyard races. Full disclosure—it squeaks when they bounce, but don't let that be a deterrent. One clever reviewer noted that with a pair of needle-nose pliers, you can surgically remove that sucker without damaging the base.

$16.99

Dumptruck 

green-toys-dump-truck

Whether they're digging up sand in the backyard or picking up toys inside, kids can get as creative as they want picking up and moving things around. Even better? It's made from recycled plastic milk cartons.

$22

Hopper ball

Hopper ball

Burn off all that extra energy hippity hopping across the lawn or the living room! This hopper ball is one of the top rated versions on Amazon as it's thicker and more durable than most. It also comes with a hand pump to make inflation quick and easy.

$14.99

Pull-along ducks

janod-pull-along-wooden-ducks

There's just something so fun about a classic pull-along toy and we love that they seamlessly transition between indoor and outdoor play. Crafted from solid cherry and beechwood, it's tough enough to endure outdoor spaces your toddler takes it on.

$16.99

Rocking chair seesaw

Slidewhizzer-rocking-chair-seesaw

This built-to-last rocking seesaw is a fun way to get the wiggles out in the grass or in the playroom. The sturdy design can support up to 77 pounds, so even older kiddos can get in on the action.

$79.99

Baby forest fox ride-on

janod toys baby fox ride on

Toddlers will love zooming around on this fox ride-on, and it's a great transition toy into traditional balance bikes. If you take it for a driveway adventure, simply use a damp cloth to wipe down the wheels before bringing back inside.

$79.99

Meadow ring toss game

Plan Toys meadow ring toss game

Besides offering a fantastic opportunity to hone focus, coordination, determination and taking turns, lawn games are just plain fun. Set them up close together for the littles and spread them out when Mom and Dad get in on the action. With their low profile and rope rings, they're great for indoors as well.

$24.75

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Bradley Cooper and Irina Shayk relationship is #CoparentingGoals

"He's a full-on, hands-on dad—no nanny. Lea went on holiday with him for almost two weeks [and] I didn't call them once," Shayk says.

Jon Kopaloff/Getty

We love to see healthy examples of what co-parenting can look like, don't we folks? It's not easy, and every couple is different, but when two parents who are no longer together can create a functional relationship for the sake of their kids—well, it's just grand. Take Irina Shayk and her ex, Bradley Cooper, for example.

These two are doing it right!


In a new interview with ELLE, Shayk opens up with what Bradley Cooper is like as a dad to their four-year-old daughter, Lea De Seine. Spoiler alert: The A Star Is Born star is a really good one. The couple broke up in 2019, but that didn't alter how they handle their number one priority: their child.

"He's a full-on, hands-on dad—no nanny. Lea went on holiday with him for almost two weeks [and] I didn't call them once," says Shayk. Earlier this year, she told ELLE that she doesn't label her relationship with Cooper as "co-parent," but described how they parent their daughter—and it seems pretty darn healthy and functional.

"I never understood the term co-parenting. When I'm with my daughter, I'm 100 percent a mother, and when she's with her dad, he's 100 percent her dad," she said at the time. "Co-parenting is parenting."

Shayk, who grew up in a small village near the border of Kazakhstan, implements some of her Russian values when it comes to parenting Lea, and Cooper is totally on board. They both know their daughter is growing up with immense privilege, and Shayk knows what it's like to have nothing.

"Me and her father are very strict," she explains. "When she finishes eating, she gets up from the table, takes her plate, says 'thank you.' Without 'please' or 'thank you' she's not getting anything. It's hard, because she has so many toys. I had one doll, and I still have this doll. Blonde, blue eyes, big Russian doll. My grandma used to make clothes for her."

"I always explain, 'Look, this is my doll," she continues. "I had only one.' Or sometimes, 'You have this candy. I used to have candy only for Christmas.'"

It's refreshing to hear celebrities acknowledge their privilege and show gratitude for it, especially when it comes to how they raise their kids. Kudos to Irina Shayk and Bradley Cooper for showing us peaceful co-parenting can be done.

Celebrity News

Cameron Diaz on having a baby at 47: 'You really have to work hard for it'

"The only pressure for me now is I have to live to be, like, 107, you know? No pressure!"

This is the decade that saw the face of first-time motherhood change. The number of first-time mamas under 30 is shrinking, while more and more women are becoming moms after 40.

Cameron Diaz is one of them. The actress and businesswoman, now 48, became a mom in January at the age of 47. In a new episode of Naomi Campbell's YouTube series, No Filter, Diaz opens up about what it's like to become a mom in your fourth decade.

"A lot of people do it the other way around ... they get married [and] have a family in their youth," says Diaz."I'm kind of doing it in the second half of my life."


This second half has been the happiest she's ever felt, she explains, adding that life with daughter Raddix and husband Benji Madden feels like the "sweet spot" of her life story. But having a child at 47 is a different experience than having one at 27...and it does mean Diaz will be spending her 50s and 60s raising a child while some of her peers will be spending theirs off to college.

The first-time mama is taking it all in stride, telling Campbell with a laugh: "The only pressure for me now is I have to live to be, like, 107, you know? No pressure!"

She continues: "Having a family when you're young...it's like anything when you're young: You do it. But when you're my age and you decide to do it, it's a real choice. You really have to work hard for it."

Right now, raising her daughter (and working on her wine business) is what feels right for Diaz. She tells Campbell she doesn't think she's going back to acting. "I feel really resolved. I mean, I never say never to anything, first of all, but I feel really resolved," she explains. "I haven't made a movie since 2014. It's been a long time, it's been seven years or six years since I made a film. Girl, I am okay with that."

Sometimes, what's right for you in your 20s isn't what's right in your 40s. Cameron Diaz proves that, and she proves that the door to motherhood doesn't close on your 40th birthday.

Celebrity News